When are you 30 days late

[HK$]

If a payment is due on let's say 9/19 and you make the payment on 10/19. Does that make you 30 days late?

I am debating this with a co-worker. Please give me some insite.

 

Thanks...

[HK$]

I am having a debate with a co-worker.

If you have an auto loan and the payment was due on 9/19 and you make the payment on 10/19.

Are you 30 days late? Do you count actual days and if so is it from 9/20 or from 9/19?

 

Help me end this debate. Thanks...

[breeze]

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[CreditBabe]

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I'm not exactly sure but I asked my CC company the same question. My payments are due on the 30th of every month and once I made a payment with my checking acct over the phone on the 28th of the following month and it takes a couple of days to post. The rep told me that it wouldn't have actually gone 30 days until the 5th.

[MarvBear]

[Momof5]

It can also depend on the company who finances. With chrysler financial the CSR to EQ (3 way call with me) that they don't report 30 late until you are 34.